Lowe, the son of Johnny and Jean Lowe, moved with them to a small farm in Shelby County in 1969. He attended Shelby Elementary School, Columbiana Middle School and Shelby County High School, graduating in 1983. He went on to earn a bachelor of science in accounting at Auburn University in 1988 while also serving in the Alabama Army National Guard, where he was trained as a quartermaster officer.
He married the former Scarlott Collins just before shipping out for Operation Desert Shield/Desert Storm in 1990. They have two children, Caleb and Caroline. Lowe opened his current insurance business in 1991.
Lowe has served as president of the Columbiana Rotary Club and as a deacon at First Baptist Church of Columbiana. He is also a member of the Shelby Lodge No. 140, the Shelby County Cattleman's Association, the Friends of the Columbiana Library.
- Griffey, Jan (July 10, 2012) "Lowe seeks fourth term as Columbiana mayor." Shelby County Reporter